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OH Nonprofits Insurance

Nonprofit · Ohio

OH Nonprofits Insurance

Industry-specific commercial coverage for nonprofit businesses in Ohio. Nonprofits face exposures most agents underprice — volunteer liability, abuse and molestation if you serve youth, D&O for the board, fundraising event exposure, and the workers comp class codes for staff vs volunteers.

★★★★★ Independent agency since 2003·Licensed in 27 states·BBB A+ Rated
20+Years in Business
27States Licensed
15+A-Rated Carriers
A+BBB Rating

Shopping 15+ A-Rated Carriers For You

Nonprofit insurance built for Ohio businesses

Running a nonprofit operation in Ohio means specific exposures the right carrier needs to understand. We shop Travelers, Liberty Mutual, Cincinnati, Auto-Owners, Western Reserve Group, AmTrust, and 9+ more A-rated carriers to put a real GL, property, workers comp, and commercial auto package together.

The Allen Thomas Group has been licensed since 2003. We know which carriers price nonprofit correctly and which to avoid for businesses operating in Ohio.

Key nonprofit exposures we address

  • Directors and officers — board liability, governance
  • Volunteer liability — injuries to and by volunteers
  • Abuse and molestation — youth-serving organizations
  • Special events — fundraisers, 5Ks, galas
  • Premises — facility, parking, special-needs accommodations
  • Cyber — donor data, financial information
  • Employment practices

Coverages we typically place

D&O
Board liability, employment practices often packaged in.
GL with Volunteers
Volunteers as insureds; volunteer accident sublimit.
Abuse and Molestation
Critical for youth-serving organizations; sublimit on GL or standalone.
Special Events
One-off events or annual special events endorsement.
Cyber
Donor PII, financial data.
Property and BOP
Building, contents, business income.

Carrier appetite

Philadelphia, Travelers, Cincinnati, Nonprofits Insurance Alliance (NIA), Church Mutual, GuideOne.

Frequently Asked Questions

Are board members personally liable?
Yes — even for nonprofits. State VPA and federal volunteer protection laws help but don’t eliminate personal exposure. D&O is essential.
Are volunteers covered under our GL?
Most GL forms exclude bodily injury to volunteers. Add volunteer accident coverage and confirm volunteers are listed as additional insureds.

Ready for coverage that actually fits?

Free quote in 5 minutes. Or call us directly. Either way, you'll know you got a fair deal.